IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book Formal Letter 1) Write a letter to the assistant commissioner of police raising the concem over the increased cases of theft near bus stop xyz yyy 06 June 2018 The Assistant Commissioner of Police Cochin Sir, Complaint against increasing theft cases near the bus stop. lam constrained to draw your attention to the growing menace of thieves near our bus stop. The policeman is a rare sight in this crowded and growing locality. Taking advantage of the absence of the police around, some goondas are freely indulging in chain snatching and mugging activities. During this week as many as fifteen attacks had taken place. People who go for College and Office is more but however the security found is very minimal. Appallingly, among the 15 attacks happened, 11 were of young women and 4 were of young men. We people are scared to go out at any point of time, can be morning or night. We really need an end to the people’s agitation in our locality so that we can walk freely without any fear. We also had people who were robbed at the point of the knife, being threatened to death. | request you to take immediate steps to stem this tide of insecurity. Yours faithfully, XYZ 2) Letter to the bank manager for address change XXX yYY 01 Aug 2018 The Manager State Bank of India Follow us: Facebook Twitter YouTube Telegram Instagram = G+ www. ibpsguide.com https://estore.ibpsguide.com 1IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book Peelamedu Branch Coimbatore Dear Sir, Requesting address change Currently | am holding a Savings Bank account in your branch Peelamedu, Coimbatore. | have recently relocated to Saibaba Colony, due to which | request your help in changing my current branch location from Peelamedu to Saibaba Colony so that | can avail my banking services without any hindrance. Please find the address and account details below: Old Residential Address: ABCD New Residential Address: XYZ Account No: 50567%«xx123 Kindly let me know if any additional information is required to process this approval Yours truly, XxX 3) Letter to BSNL manager to surrender the landline phone XXX yYY 21/06/2018 ‘The Manager BSNL Ltd Mumbai Sir! Madam, Surrendering of my landline phone am @ dedicated customer of your service since ten years. My landline phone number is 2411338 and the Username is XXX Follow us: Facebook Tw YouTube Telegram Instagram G+ www lbpspuide.com httos://estore.ibpspuide.com, 2IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book This letter is to inform you that, we will no longer be able to continue using your services as have to shift our residence from the above-mentioned address to a new locality where we will be provided with a free landline connection of XYZ company. | have attached the documents below and | request you to revert me if any other documents are required Moreover, the BSNL instrument supplied from your end is duly returned herewith in working condition. | also request you to kindly arrange for the return of your security deposit. Please acknowledge the receipt of this letter and confirm that my BSNL landline connection is disconnected at the earliest. Yours faithfully, XXX Enclosures’ 1. Id and Address Proof 2. Latest BSNL landline bill receipt 3. Duly filled up surrender form 4) Letter to the editor of a newspaper about air and noise pollution in your city XXX yyy 22 April 2018 ‘The Editor ‘The HINDU Coimbatore-23 Sir! Madam, Concer over rise in AIR and NOISE pollution | am writing this letter expressing my grief over the alarming increase in the noise and air pollution in my city in the recent days and to draw the attention of the concerned authorities. Five years back, my city was popular for having a natural ambiance fit for a healthy living. But the scenario has changed now, after the constructions of some factories, clubs and the improper condition of the road have added trouble. Increased air and noise pollution have resulted in a widespread of health issues. The city has been contaminated adversely and people cannot step out during the busy Follow us: Facebook Twitter YouTube Telegram Instagram G+ www lbpspuide.com httos://estore.ibpspuide.com, 3IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book hours throughout the day until evening without a mask. Children and the elderly are badly affected and they face problems like asthma, cough, loss of hearing, and blood pressure, Increasing number of vehicles on the roads, rising growth of factories, construction work, loudspeakers used on various occasions, rock and pop music, etc. are some of the factors which | found as responsible for causing noise and air pollution in my locality. It's high time the concemed authorities are aware of such issues that trouble the life of a common man and take some initiatives so that the laws are not disobeyed. Stricter norms such as slapping fine or canceling the license of the violated vehicle or industry can bring some changes. | strongly believe that there will be some actions taken against the lawbreakers and my city will be restored to a healthy place. Yours faithfully, XXX 5) Letter to bank manager to add nominee zzz YYY 20 MAY 2018 ‘The Branch Manager Bank of Baroda Coimbatore Dear Sir/Madam, Request for addition of Nominee for Salary Account | am an account holder of your esteemed bank. | am holding a Salary Account with one nominee already added. | request you to add second nominee who is my mother for my account where the account and nominee details are mentioned below. Also, | have enclosed the Address & ID proof of my mother in the attachment for reference. My account details are as follows, Salary account: “**403 Account holder: 222 Follow us: Facebook Twitter YouTube Telegram Instagram = G+ www lbpspuide.com httos://estore.ibpspuide.com, 4IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book Second Nominee: AAA (Mother) + Age - 55 years + DOB - 16 September 1963 + Address of nominee: 15Nadar Colony, Cbe-28 © Mobile: “***"3421 | thus request you to please bring in the necessary changes in this regard. Waiting for your acknowledgement as early as possible. Thanking you Your truly, mz Informal Letter 6) Letter to cousin asking for guidance to prepare for competitive exams XxX yyy 30 May 2018 Dear Brother, How are you? Hope you are fine. | and parents are doing well here. Hope your new life in Bangalore is getting settled am writing this letter to share my happiness and to get a piece of advice from you to start my career with super excitement. | am happy to inform you that | have scored 88% in second PUC (plus2) and now I have already planned to start preparing for competitive exams. | have planned to do my graduation course in mathematics to become a Bank PO. However, | need your guidance to choose the best college and also few tips to start preparing for the Bank exams. | really do not want to be too late in asking you about this hence | decided to start from now. also need your study materials what you had during your exam preparation. | will be coming to Bangalore soon for attending one show hosted by my classmate. | will keep you informed before | leave and | will visit your home to get the materials. am waiting for your response and | am much awaited to know the fruitful tips you can suggest for your dearest cousin Yours lovely, XxX Follow us: Facebook Twitter YouTube Telegram Instagram G+ www.ibpsauide.com https://estore.ibpspuide.com, 5IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book 7) Letter to a friend congratulating him on his success in his academics XXX yyy 30 June 2018 Dear YZYZ, | was very happy to hear your success in the entrance examination and your postgraduate admission in Pondicherry University. My heartfelt congratulations for your outstanding performance that secured the AIR ONE. My parents were also overwhelmed to hear your result and they wished you success ahead in your academics. The course you have chosen has wide scopes and the university is a central government sponsored one. So | wish you make the best of your career in the new university. Waiting to see you join there soon and cone out as flying colours. Yours lovingly, XxX 8) Letter to friend explaining the importance of wearing a helmet XXX yYY 09/07/2018 Dear XYZ, Iam waiting this letter to bring your consciousness to wear a helmet on your bike ridings. During our college days, | have witnessed you staying away from helmet whenever you spin with your bike. | had across an article which stated the rise in deaths due to road accidents were primarily due to the lack of a helmet. Because u have a passion to drive, | am suggesting you be cautious and wear a helmet whenever you kick start your bike The helmet is the safety armor for the head. Like the skull protects the brain from impacts, the helmet protects the head. The exterior layer or the shell is made of thermoplastic fiberglass, the middle layer is made of expanded Follow us: Facebook Twitter YouTube Telegram Instagram G+ www lbpspuide.com httos://estore.ibpspuide.com, 6IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book polystyrene (EPS) that absorbs the shock and the innermost layer is made of sponge that provides comfort. Thus it is designed scientifically in order to absorb any huge impact or shocks and save the person's life I wish you will consider this letter and have a safe riding ahead of your journey. Convey my regards to your family Yours lovingly, zzz. 9) Letter to your brother sharing the experience of being selected in Indian cricket team ABC ZZ 23May 2018 Dear brother, How are you? hope you are doing a great job in your new work location. | am eagerly writing this letter to share the happiest moment I've ever experienced .You will be aware of my lengthy cricket practice sessions | had after my college hours and by God's grace, it have tumed productive now. | am into the Indian cricket team now. The story goes like this The selections were made through so many rounds via Ranji trophy where | performed my best and hit the jackpot scoring the maximum runs for my team. This victory was a stepping stone in my cricket life when CSK team bought out me to play for their IPL match. | have to tell you that it was like playing a real match on the ground when | faced my opponent team Mumbai Indians in the final round. | played like a masterly using my potent and finally got selected in the Indian cricket team My college principal and colleagues congratulated me for my accomplishment and I wish | would perform well in the upcoming matches. | am waiting to hear your wishes. So reply me as soon as you have read my letter. Yours lovingly, ABC 10) Write a letter to your friend inviting for your sister’s marriage XxX yyy Follow us: Facebook Twitter YouTube Telegram Instagram G+ www.ibpsauide.com https://estore.ibpspuide.com, 7IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book 25 June 2018 Dear Abe, How are you? | am fine and also | hope mamma, papa and our litle Tommy are doing well. Is everything fine at your cafeteria? | firmly believe that it's making you look like a million bucks. Wishing you for success and a growth always. Yes, after few struggles that day has come. | am glad to inform you about my sister’s wedding which has been fixed on 25" August, 2018. This letter is to inform you, as well as to invite you for the wedding in advance. The marriage will take place in our native Palghat and the reception will be held at Coimbatore. We have made all the arrangements to reach the marriage hall a day before and | really no need any excuses but just your presence. | want you to join my family with your parents two days before marriage so that we can create the best moments. | will be sending you the invitation card once we have finished printing it. Do not forget to bring your new mobile to capture our best moments. | am eagerly waiting to see you at my sister's wedding. Waiting to see your reply. | once again remind you that, it's going to be the best moments in our memories. Hoping to hear from you at the earliest and convey my regards to your parents. Yours lovingly, XXX Essays 1) Women yent jecause it's 2015.” said Canadian Prime Minister Justin Trudeau, when he was asked why he appointed an equal number of men and women in his 30 member cabinet. The idea of gender equality, although being globally discussed and even implemented to some extent in first world countries, is not easily realised in developing countries and lower-income countries. In India, several laws have been passed with the intention of empowering women; but the question remains - How effectively have these laws been implemented? Over the years, several laws have been put into place to ensure that the women in our country will have access to equal opportunities. Unfortunately though, traditional practises have created gender specific roles. It is hard to fathom how slow moving the cultural exchange of the world is when you find out that there ere several places across the country where harmful customs of the ancient world coexist with modem appliances and thought. However, that is no surprise to anyone who has lived in India ~ the dichotomy of society is something that can only be explained by the popular catchphrase “It only happens in India’. Alongside the problematic traditional practices, we are also dealing with several fundamental issues that are detrimental to the empowerment of women. Follow us: Facebook Twitter YouTube Telegram Instagram = G+ www lbpspuide.com httos://estore.ibpspuide.com, aIBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book While the country has grown in leaps and bounds since its independence in terms of education, the gap between women and men is severe. While 82.14% of adult men are educated, only 65.46% of adult women are known to be literate in India. Further, the lack of maternal healthcare is becoming a growing concern, with almost 30% of women succumbing to complications. While striving to deal with the most fundamental issues, most women do not take notice of the numerous empowerment laws that have been put into place for their benefit. One could even say that the lack of awareness is to be expected when there are bigger issues that need to be addressed. We are struggling to educate our women, protect them from violence, and provide basic healthcare. It comes as no surprise that these women do not report inequality or harassment for fear of repercussions Not shaken by the numerous obstacles that we, as a country have to deal with, we have continued to take steps towards empowering our women. The Ministry for Women & Child Development drives the holistic development of women and children, with the power to plan, formulate policies, legislations and work in cooperation with both government driven and non profitable organizations to reach out to those in need. Additionally, the Ministry is also implementing the Swayamsiddha programme which supports self-help groups, giving them access to all kinds of resources that they are denied access to. The ministry has also set up the National Commission for women which reviews and recommends remedial legislative measures and facilitates quick redressal of grievances. As the citizens, Wwe need to place importance on changing the deep-rooted mindset of gender specific roles to make the best of all the empowerment laws that have been put in place, Despite the pace at which we are witnessing change in our country, we are certainly moving forward. We are still recovering from years of abuse, and economic suffering, but we are finally seeing globalisation and socio- economic growth that is paving the way to the empowerment of women. We have the will, and now we need to make the way. It might take a long time to fully realise women empowerment, but we surely will get there 2) Advantages and disadvantages of a cashless economy Cashless Economy is the state of art debate in our country. It began with the demonitisation of high-value currency notes followed by the implementation of GST, where people were forced to transact digitally to obtain the full benefits. In a cashless economy, Electronic representations of money replace traditional currency where the transaction is, carried out digitally. It includes e-banking (Mobile banking or banking through computers), debit and credit cards, card-swipe or point of sales (POS) machines and digital wallets. Will the full benefit of turning cashless be beneficial to entire India or will it a big challenge for the Indians to adopt this mode. It is believed that it would help to keep the parallel economy of black money and fake currency at bay. This can result in Transparency and ease of convenience in transactions as the process takes place digitally. A rise in financial Follow us: Facebook Twitter YouTube Telegram Instagram G+ www. ibpsguide.com https://estore.ibpsguide.com sIBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book inclusion can be witnessed as people prefer to deel with finance in a secure way. And finally, this will reduce the robberies or theft of cash on the part of individual citizens. For the government, Tax collections are easy through digital mode as all transactions are recorded. Growth in government revenue wil lead to greater social expenditure for the welfare of the people Most of the Indians being in the rural areas, reaching the technology to a rural India is a challenging task where most of them are cash dependent for their daily life. Also, most of them being illiterate not everyone has the ability to own a smartphone and an internet connection. On the other hand, security features in a digital platform are of high concern with the rising cyber threats. Thus all these pose as a threat to India to become cashless. Bharat Net project which offers free wifi throughout the village must be well implemented in all villages to make the villages digitally interconnected and viable. Better infrastructure to adopt digital transactions must be at one’s disposal. ATMs and POS tert financial transactions of any man. als must be made available at the nook and corner of the country which can ease the In the long run, the unnecessary expenditure on infrastructure and other areas will be cut and this excess can be used for development programmes. With much advancement in technology, India will be able to adapt itself in a wholesome manner only if the capabilities, knowledge, and confidence to adopt new ideas are bestowed on every individual. The implementation of any new big technology will be easy but if the proper training is given in advance, we can see the cashless economy ubiquitously. 3) Artificial intelligence: boon or bane Right from the evolution of human beings, there has always been new ways or findings to replicate or simplify a human task. And in the current trend of one such invention is Al, which uses highly technical and scientific languages. Al is a branch of computer science and engineering that deals with the making of intelligent computer programs, which mimic human activities. Al will be the future of a country where people look forward to a faster and easier solution than a normal human being can provide with. ‘Some of the areas in which Al is specialized are Learning, Planning, Problem-solving. The GPS we use on our phone, the Autocorrect spelling are some of the features of Al we experience every day.Al can be substituted in such daring tasks where human have to risk their lives. When it comes to wildlife and biodiversity conservation, GPS and satellite cannot be placed everywhere. Thus intelligence trained tools can be used to identify any species, its location, its Follow us: Facebook Twitter YouTube Telegram Instagram G+ www.ibpsauide.com https://estore.ibpspuide.com, 10IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book vulnerability and we can take decision for its survival. Ai guided agriculture can help predict the crop disease, harvesting season, and the nutritional level of crops after updating with previous experience data Highly benefitted through Rational decision-making capacity of Al as it doesn't possess mental emotions, and it can be used for political and judicial decision making as it will be neutral. With the complete knowledge about an individual's profile, an Al can predict the future movements and help the organization to be decisive. It aids by being a tool of the reminder of the past experiences and a teacher for a better future. Al has been a relief for the medical surgeons as it provides the solutions with high accuracy in less time. Widely used in medical surgeries and in the detection of symptoms at an earlier stage. A life-threatening disease sepsis usually causes complete organ failure and death if left undetected. Even the symptoms of this disorder are not well defined and here comes the role of Al which helps to diagnose the disorder by 24 hours in advance. ‘As Stephen Hawkings stated, the primary applications of Al are always beneficial but when the Al surpass humans, it can turn dangerous to our life. Since it is designed in such a way to create any data, he believes that it would redesign itself at a faster rate and humans find it difficult to organize well. Also, Huge costs are involved in building such efficient technologies. In the long run, replacement of humans at workplaces can lead to unemployment. When humans get everything they want effortlessly, they remain inaccessible to their own intelligence, thus making them lack the real experience. As long as the humans use intelligence efficiently to augment their development, no technology will become a curse in the long run. Human must continue to be ingenious and contemporary to make a new cutting-edge technology that always thrives them to serve the surroundings in a better manner. For humans anything that can carry out their task is a welcoming one and so is Al. Al is expected to be very accurate, high speed and precise if the Al perfectly coded ‘without technical errors. 4) Causes, effects and solutions to global warming We are very well aware of the rise in temperature around us, around the globe and this is Global warming, the gradual increase in the rise of earth's temperature over a period of time which in turn changes the climatic conditions. Will the government end up in paying huge amounts to tackle this issue if itis left unchecked right now? Global warming occurs when carbon dioxide (CO2) and other air pollutants and greenhouse gases collected in the atmosphere absorb sunlight and solar radiation that have bounced off the earth’s surface.ug Normally, this radiation ‘would escape into space—but these pollutants, which can last for years to centuries in the atmosphere, trap the heat and cause the planet to get hotter. That's what's known as the greenhouse effect. The impacts of global warming are Follow us: Facebook Twitter YouTube Telegram Instagram G+ www lbpspuide.com httos://estore.ibpspuide.com, uIBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book being felt across the globe. Hotter days, Rising sea levels, warming and acidification of oceans, Coastal erosion ete are some of the changes observed. Extreme heat waves have caused tens of thousands of deaths around the world in the recent years. It badly affects the marine web restricting vital energy flows between different species in the marine ecosystem. In the long run, it affects the livelihood of people dependent on natural resources for their living such as fisheries, forests, farm, etc. First of all, we need to change our habits in order to bring some positive changes in our daily life. Renewable eneray is one of the most important solutions to global warming and should be pursued as strongly and quickly as possible. Replacing our regular bulbs with compact fluorescent light helps in reducing the emission of heat. Limiting the use of vehicles unless inevitable and using public transport can help reduce pollution as well as save energy. Encouraging the use of reusable items and afforestation must be done often to induce awareness among people. Campaigns supporting a natural environment and highlighting the devastating effects on global warming can bring some changes steadily. Institutional remedies offering Green banking services, promoting Green building, use of renewable energy in place of non-renewable resources There should be proper and strict norms which must be followed by countries all over the world as itis not an issue of a single community or country instead it is a global issue affecting the lives of the whole planet. There have been numerous national, international and political initiatives taken to combat global warming. Some of them are UN framework convention on climate change, Kyoto protocol and the Vienna Convention for the Protection of the Ozone Layer. To save the mother earth from a huge disaster its high time we follow the measures to reduce the carbon emissions and replace the non-conventional fuels with bio fuels. As we have to pass our precious planet to the next generation it is our duty to tackle this issue at its root level 5) Clean India Campaign SWACH BHARAT ABHIYAN OR CLEAN INDIA CAMPAIGN is a sanitation program that aims to create a cleaner India by October 2019 commemorating the 150th birth anniversary of Mahatma Gandhiji. Does cleaner India refer to picking up the dirt or putting an end to open defecation or it means corruption-free governance or an end to caste issues? | firmly believe that India becomes completely clean if all the said components are clean. Open defecation has been the highlighted issue put forward under this scheme and many states undertook many measures to declare themselves as OPEN DEFECATION FREE. Rural Individual households were fitted with toilets Follow us: Facebook Twitter YouTube Telegram Instagram G+ www lbpspuide.com httos://estore.ibpspuide.com, 2IBPS Guide Complete Guide for Bank Exam &SSC Exams Descriptive E-book and wastewater discharge system which are cost-effective with less water usage. Since water availability was a major problem in the remote areas of the country. Liquid and solid waste management are also carried out along with this campaign to get the full benefit. Public places were also included under this campaign and banners bearing clean India quotes acted as a reminder for the common citizens to stop littering and keep the surroundings clean. Clean environment leads to a hygienic lifestyle and can boost economic growth. Tourism will be prompted as we can see in the cleanest state ‘Sikkim’. Investments in the health, environment sectors get reduced and these funds can be used for the social development of the nation. Use of solar energy in place of electricity will further improvise the state of the nation. But the cleaner India is not complete until the caste-based war among humans ends up. Since India is still in the midst of social laws, caste has been placed to chose an occupation forcing manual scavenging to exist even today. Whatever the cleanliness drive at the end the drainage system and the wastewater are handled by a particular section of the society. Thus cleanliness drive is incomplete here and government must spend its expenditure to bring new technologies to replace these excluded people who are working for clean India in shadow. So that It will be a befitting tribute to the Father of the Nation on his 150th birth anniversary. This campaign has been the largest ever cleaning programme. The influential words of Mahatma Gendhi "Sanitation is more important than Independence’, reminds us of the fact that every individual in @ nation is responsible for making his nation clean and neat. Thus The Clean India Mission has to be a combined effort of government and the citizens of the country in order to change the attitude of people towards sanitation and hygiene. 6) Climate changes and its impacts Shrinking of glaciers, melting of ice on rivers and lakes, shift in the habitat of animals and birds, intense heat waves, trees flowering sooner, migration of people are some of the signs of global climatic changes. Various internal and external factors including solar radiation, variation in the Earth’s orbit, volcanic eruptions, plate tectonics, Industrial emissions, deforestation etc. are some of the causes of climate changes. This issue has become a global cause of concern since a few decades as these changes have affected the life on earth in many forms. Many plants and animal species have gone extinct under climate change and some are under extinction due to the mass cutting of trees. Deforestation has aggravated the issue as trees required to absorb the CO2 emissions has been diminishing at a faster rate. Change in climate affects the health of individuals as the rising in temperature can Follow us: Facebook Twitter YouTube Telegram Instagram G+ www.ibpsauide.com https://estore.ibpspuide.com, 13